Mobile Homes

A Shenandoah Mutual mobile homeowner policy can be placed on a single wide or double wide home; whether or not it is on a permanent foundation or just on piers and tied down; whether or not it is on a lot in a park or on your own acreage that you own personally. If your home is on a permanent foundation, it may also qualify for a continuous masonry foundation discount.

The main difference between the standard homeowner policy and the mobile homeowner policy is loss settlement on the mobile home is based on Actual Cash Value. However, Replacement Cost coverage can be obtained, for qualifying homes, by adding a separate endorsement.

Like the standard homeowner policy, the mobile home policy covers Related Private Structures such as a garage, work shop or gazebo; coverage for Personal Property owned by or in the care of an insured including: clothing, furniture, appliances, etc.; Additional Living Costs which pays the necessary and reasonable additional expenses the insured incurs to maintain the family’s normal standard of living when the premises is made unfit for use following a covered loss.

It covers Personal Liability which protects you and your family from legal liability for negligence if someone is injured or someone else’s property is damaged and Medical Payments to Others that protects you from medical expenses incurred by guests while on your property.

Additionally, the policy has many other endorsements to tailor the policy to the exact coverages that your family needs which may include food spoilage, water damage from sewers, drains and sumps, earthquake, identity fraud, expanded coverage for theft of guns or jewelry, expanded computer coverage, etc. We also offer discounts for new homes, home protection alarms, smoke detectors, etc. that can be applied to the policy.